Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13188868
Complaint Overview
Complaint ID: 13188868
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Pennsylvania
ZIP Code: 152XX
Date Received: 2025-04-25T12:00:00-05:00
Date Sent to Company: 2025-04-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against TransUnion for failing to properly investigate and correct errors I disputed, and for refusing to provide my full consumer file as required by law. For over 20 months, XXXX XXXX XXXX repeatedly re-reported a charge-off on my credit file, making it appear newly delinquent every month. This illegal practice, known as re-aging, violates the Fair Credit Reporting Act ( FCRA ). I submitted disputes through TransUnion, yet they allowed the inaccurate account to remain on my report with no corrections. When I called TransUnion to request my full consumer file under FCRA 609, I was told over the phone that they could not provide it, that they only keep one year of my credit report, and that they had no history of my disputes. This is a direct violation of my federal rights and raises serious concerns about recordkeeping and transparency. As a result of these errors and TransUnions inaction : I was denied multiple loans I was forced to use {$10000.00} {$15000.00} of my own savings to keep my business, XXXX XXXX XXXX XXXX, open My credit score dropped significantly Ive experienced emotional distress and serious financial harm I am requesting a full reinvestigation, a complete copy of my consumer file and dispute history, and compensation for the damage caused.
Frequently Asked Questions
What is Complaint #13188868 about?
Complaint #13188868 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-04-25T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.